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Determinantes Del Acceso Al Cr�Dito De Los Hogares

Author

Listed:
  • Andr�s Murcia Pab�n

Abstract

Este documento busca identificar los determinantes de acceso al cr�dito de los hogarescolombianos y encuentra que caracter�sticas tales como el ingreso, la riqueza, la posici�ngeogr�fica, el acceso a la seguridad social, el nivel de educaci�n y la edad afectan laprobabilidad de ser usuario de los servicios financieros ac� analizados (tarjeta de cr�dito ycr�dito hipotecario). Adicionalmente se encontr� que una porci�n importante de poblaci�ncuenta con unas condiciones financieras favorables (representados en unas altas tasas deahorro) y no cuentan con acceso a servicios financieros, lo cual sugiere que podr�a haberposibilidades de expandir la oferta de cr�dito a ciertos segmentos.

Suggested Citation

  • Andr�s Murcia Pab�n, 2007. "Determinantes Del Acceso Al Cr�Dito De Los Hogares," Borradores de Economia 4017, Banco de la Republica.
    • Handle: RePEc:col:000094:004017
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    File URL: http://www.banrep.gov.co/sites/default/files/publicaciones/pdfs/borra449.pdf
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    Citations

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    Cited by:

    1. Olaya, Yris & Vásquez, Felipe & Müller, Daniel B., 2017. "Dwelling stock dynamics for addressing housing deficit," Resources, Conservation & Recycling, Elsevier, vol. 123(C), pages 187-199.
    2. Francisco Fernández López, 2017. "Impacto de la informalidad laboral sobre el acceso a crédito formal," Coyuntura Económica, Fedesarrollo, vol. 47(1 y 2), pages 169-204.
    3. Augusta Alfageme & Nelson R. Ramírez Rondán, 2018. "Household Access to Financial Services in Peru," Investigación Conjunta-Joint Research, in: María José Roa García & Diana Mejía (ed.), Financial Decisions of Households and Financial Inclusion: Evidence for Latin America and the Caribbean, edition 1, volume 1, chapter 8, pages 245-277, Centro de Estudios Monetarios Latinoamericanos, CEMLA.
    4. Arango, Luis E. & Cardona-Sosa, Lina & Pedraza-Jiménez, Nataly, 2021. "The use of credit cards among low- and middle-income individuals in Colombia and the channels of monetary policy," Economic Modelling, Elsevier, vol. 94(C), pages 150-169.
    5. Ana María Iregui-Bohórquez & Ligia Alba Melo-Becerra & María Teresa Ramírez-Giraldo & Ana María Tribín-Uribe, 2018. "Crédito formal e informal de los hogares en Colombia," Investigación Conjunta-Joint Research, in: María José Roa García & Diana Mejía (ed.), Decisiones financieras de los hogares e inclusión financiera: evidencia para América Latina y el Caribe, edition 1, volume 1, chapter 5, pages 133-166, Centro de Estudios Monetarios Latinoamericanos, CEMLA.

    More about this item

    Keywords

    Hogares; Bancarizaci�n; Acceso al cr�dito.;
    All these keywords.

    JEL classification:

    • C25 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Discrete Regression and Qualitative Choice Models; Discrete Regressors; Proportions; Probabilities
    • C43 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods: Special Topics - - - Index Numbers and Aggregation
    • D19 - Microeconomics - - Household Behavior - - - Other
    • D59 - Microeconomics - - General Equilibrium and Disequilibrium - - - Other

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